Throughout the year we assist families in navigating the complex world of health insurance, billing, and payments. We often find our patients' families have selected plans with unexpected cost sharing, or experience changes to their provider network where our group is not included. These problems can happen to families with any health insurance, including plans subsidized by an employer.
Before you select a new health insurance plan, please review these top 3 questions your should consider when choosing a plan.
For detailed information about any health insurance plan, including network providers, costs, and covered services, the best contact is each plan's Member Services department. That phone number is available from your plan ID card and/or the plan web site.
This information is for educational purposes only and it should be used only as a guide.
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It can be tempting to consider selecting an insurance plan based on lower premium costs. Please be aware that lower insurance premiums often mean higher out-of-pocket expenses for services. Lower cost plans may also limit services, or exclude some services altogether. Additionally, many plans now require a cost-sharing structure that goes beyond a standard copay.
Additional costs may include:
Some plans use a combination of shared costs, for example:
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